Here is some basic information about Texas state credit repair laws. Please contact the proper officials if you’d like to get help from your local Texas agency. You can also email us and we can try to put you in touch with a local credit repair agency to guide through the process of fixing your credit here or by calling us directly at 888-459-7701. Please note that we only refer your information to a credit repair company and we are not directly involved with the process in any way.
Here at CreditSecurely.com we want to make sure you have all the necessary information to guide you through getting your credit repaired with the right company for you.
CHAPTER 393. CREDIT SERVICES ORGANIZATIONS
SUBCHAPTER A. GENERAL PROVISIONS
§ 393.001. DEFINITIONS. In this chapter:
(1) “Consumer” means an individual who is solicited to purchase or who purchases the services of a credit services
(2) “Consumer reporting agency” has the meaning assigned by Section 603(f), Fair Credit Reporting Act (15 U.S.C. Section 1681a(f)).
(3) “Credit services organization” means a person who provides, or represents that the person can or will provide, for the payment of valuable consideration any of the following services with respect to the extension of consumer credit by others:
(A) improving a consumer’s credit history or rating;
(B) obtaining an extension of consumer credit for a consumer; or
(C) providing advice or assistance to a consumer with regard to Paragraph (A) or (B).
(4) “Extension of consumer credit” means the right to defer payment of debt offered or granted primarily for personal, family, or household purposes or to incur the debt and defer its payment.